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Welcome Finance - This company needs to be banned.


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Returning to the Carey v HSBC issues:

Emandcole: No, the judgment is only about section 77-79 requests.

BeyondHope: This was also dealt with in the judgment. The gist is that the reconstruction has to be materially the same. It need not be in the same form. It need not reproduce information which is not required (i.e. most of the application form). See, in particular, the judge's comment on application forms under the heading "Application of Issues 1 and 2 to the Cases"

 

Welcomestaff and Welcome Jobhunter, thanks for the info.

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My OH had a default letter and then a letter saying welcome had terminated his hp agreement. Since this letter the ppi has brought what would have been his account up to date.

 

Will they repo the car now do you think? He has now paid 18 months of what would have been a 4 year agreement. He phoned welcome the other day and the branch manager said they were about to repo the car but she's put it on hold for 2 weeks.

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Kitt, your probably best starting your own thread for this so you have a diary of advise and can follow. Have you paid over a third of your loan, based on what you posted you are kinda borderline on this.

 

Also did the termination notice have "without predjudice on it ? . .

Did the default notice have a numerical date or state "within 14 days.

 

If you start your own thread then if possible post them up for us.

I am a consumer helping other consumers. Together we can and will make a differance. Please double check any information or advise I may give as I like yourself am learning as I go along in life.

1) give a small donation to this site to keep it going because without this forum I would know nothing.

2) Use your experience to help somone else on another thread.

 

Please do not PM me, my mail address is my username at this site address . I will not under any circumstances give out advise or help through mail, only on the open forum, however feel free to mail me to point me towards your thread and general talk etc.

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haha welcome are so predictable.

I am a consumer helping other consumers. Together we can and will make a differance. Please double check any information or advise I may give as I like yourself am learning as I go along in life.

1) give a small donation to this site to keep it going because without this forum I would know nothing.

2) Use your experience to help somone else on another thread.

 

Please do not PM me, my mail address is my username at this site address . I will not under any circumstances give out advise or help through mail, only on the open forum, however feel free to mail me to point me towards your thread and general talk etc.

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DO NOT PHONE THEM, put everything in writing, they are so desparate to get money in they will say anything to keep their jobs, keep reading the other Welcome threads on this site and you will clearly see their tactics.

 

If anyone phones or turn up on the doorstep tell them to get lost. Don't enter into an argument with them and keep stating, "In writing only."

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Heres another trick, It has come to my attention that welcome have used my card details and withdrawn £70 to cover a shortfall in a previous pyt, this was not agreed and was done without my knowledge i would be grateful if anyone could tell me where i stand on this?

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A huge welcome to the forum Nelson, can I suggest you start your own thread so we and you can keep a track of your progress and we can get a plan together.

 

We can advise you further on your own thread but this could be fraud (not saying it is but suspected)

 

First thing to do is to tell your card provider or bank that this withdrawal is not authorised and to get them to reverse the transaction. Secondly you write to welcome and tell them that they have acted without your authorisation and that you have reported the transactions as fraudulent use of your card. You then inform them that you could claim costs and interest of them.

I am a consumer helping other consumers. Together we can and will make a differance. Please double check any information or advise I may give as I like yourself am learning as I go along in life.

1) give a small donation to this site to keep it going because without this forum I would know nothing.

2) Use your experience to help somone else on another thread.

 

Please do not PM me, my mail address is my username at this site address . I will not under any circumstances give out advise or help through mail, only on the open forum, however feel free to mail me to point me towards your thread and general talk etc.

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Hi Nelson, you will find that this is a common theme with Welcome, it is definately a breach of their policy, it also breaches Data protection (They are supposed to destroy your card details once a payment is made) however when they have targets to meet which is normally the end of the month - the rulebook goes out of the window.

 

You could complain to compliance department and ask for compensation as well as the payment back plus interest however if you wanted to ruffle feathers more - I would contact your bank fraud department and tell them about the fraudulent card transaction - they may then prosecute Welcome. Just to make you aware though your bank may want to cancel your card and order a new one but I would be happy to do that if it meant that Welcome got into bother!

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Hi futher to my question about template fo unenforceable loan. I had FSO on phone today saying if I write such a letter to Welcome they will put my ppi case on hold for 8 weeks or until welcome respond. then depending on their respnse they may take up that case to. so it seems to me they are not saying I can't go down this route? Welcome tried to get me to sign a new contact for £8000 more than original loan!!! I am not just trying to get out of a legal debt, I had reason to claim on the ppi, I was off work 6 months ill, but it turned out I was not covered, only my husband who was self employed & had pre existing medical condition so therefor was not covered!! Help with wording of letter please, My brain is a bit foggy due to health condition. Many Thanks.

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Heres another trick, It has come to my attention that welcome have used my card details and withdrawn £70 to cover a shortfall in a previous pyt, this was not agreed and was done without my knowledge i would be grateful if anyone could tell me where i stand on this?

 

Huge breach of policy get intouch with complaints, All card details should not be written down and and details should be provided over a recorded call there has been a big crack down on this action and anyone caught with card details (authorised or not) instant dismissal.

Hope this helps

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@ Welcome Job Hunter and welcome staff

 

Thanks for comming on this thread and sharing your knowledge.

 

What is the word on the Welcome corridors, in relation to the MIF and acceptance fees that have been unlawfully applied to secured loan agreements.

 

Can any welcome employee past or present..answer this??:)

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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Hi Nelson, you will find that this is a common theme with Welcome, it is definately a breach of their policy, it also breaches Data protection (They are supposed to destroy your card details once a payment is made) however when they have targets to meet which is normally the end of the month - the rulebook goes out of the window.

 

You could complain to compliance department and ask for compensation as well as the payment back plus interest however if you wanted to ruffle feathers more - I would contact your bank fraud department and tell them about the fraudulent card transaction - they may then prosecute Welcome. Just to make you aware though your bank may want to cancel your card and order a new one but I would be happy to do that if it meant that Welcome got into bother!

 

That is advice we can work with. Thank You Major Player. Seriously Good Stuff.

 

The more trouble we can cause for these **** the better. I`m lovin it!!!:lol:

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Huge breach of policy get intouch with complaints, All card details should not be written down and and details should be provided over a recorded call there has been a big crack down on this action and anyone caught with card details (authorised or not) instant dismissal.

Hope this helps

 

Instant dismissal!!! Wonderful words when about A **** Monkey!!! Thank You Welcome Jobhunter.

 

More stuff to work with against this lying, cheating, bunch of **** *ASTARDS!!! PMSL:lol:

 

Sorry, nearly got into one there.

 

Thank You again WJH.:cool:

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Mark you truly are a man on a mission and im right with you lol.

I am a consumer helping other consumers. Together we can and will make a differance. Please double check any information or advise I may give as I like yourself am learning as I go along in life.

1) give a small donation to this site to keep it going because without this forum I would know nothing.

2) Use your experience to help somone else on another thread.

 

Please do not PM me, my mail address is my username at this site address . I will not under any circumstances give out advise or help through mail, only on the open forum, however feel free to mail me to point me towards your thread and general talk etc.

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someone asked what welscum intend to do about mif, acceptance fees etc. take a look on my thread to a reply to a letter that poste did for me (and try not to laugh). also when asked if i could have a copy of my mif policy from underwriter, they told me they held the fee and refused to give an explanation, convenient or what.

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Hi All

 

I haven't posted for a while as basically I am still trying to sell my property and Welcome have their claws well and truly embedded in the security on my house, regardless of forged signatures, copies of legal documents not being identical etc etc, you know the tactics. On the plus side I haven't paid them a penny for Oohhh well must be coming up on nearly 2 years?! and they haven't asked, they can sod off as far as I'm concerned and I would love them to take me to court but they have told me (yes, really) that it wouldn't be worth their while.

 

The reason I'm posting is I keep an eye on my credit ref and my default should have dropped off in December, legally. having just got copies of my report to check this two agencies are still showing the default but Welcome who truly are a devious scummy bunch have changed the date of the original default (how can they? idiots!) to 2008 instead of 2003, so they can keep damaging my files!! Luckily I have ALL my original paperwork, every single threatening falsified scrap and I am on top of these reports. But just thought I would let people know that they may not go away when you expect them too so keep checking. Not sure as a consumer if we can barr certain companies who have supplied false information but I have asked the question.

 

Hope everyone else's fight is faring better? I've lost any profit in my flat..but so have they! :razz: am xx

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to all those guests and those that work for welcome, what a story hey.... i remember one such employee telling me when i was asking for mis sold ppi back. that welcome was in a strong position and they were lending more than ever and he was not worried about his job.....well i hope you read this below and remember that call you fool..... i will shed no tears for welcome employees who find themselves on benefits or searching for a new job in a decreasing sector...ha ha would be childish but hey ....;-)

 

 

 

RNS Number : 7475G Cattles PLC 05 February 2010

 

This announcement replaces the Cattles plc 'Potential Staff Reductions' announcement released today at 10.01am under RNS No 7456G. The company name throughout the announcement should read 'Cattles plc' and not 'Moscow plc' as previously stated. All other details remain unchanged. The full announcement appears below.

 

Cattles plc

 

Potential Staff Reductions at Welcome Financial Services

 

The Board of Cattles plc ("Cattles") today announces proposed changes in the organisation of its subsidiary Welcome Financial Services Limited.

 

The Board of Cattles announced recently that, following an extensive strategic review of its business and subsequent discussions with its financial creditors, it was unable to recommend a business plan which would allow Welcome Finance ("Welcome") to continue lending and it would therefore focus on collecting out Welcome's existing customer loans. It is envisaged that this process could take two to three years and, during that period, the Group's cost base will contract to reflect the reducing size of the book.

 

As part of an ongoing comprehensive review of the Welcome business, Cattles has announced today that it proposes the closure of circa 70 Local Management Branches and Local Collections Units nationwide. Cattles will now enter into a consultation process with staff affected by the proposals, of whom approximately 450 will today receive notice that they are at risk of redundancy.

 

Commenting on the plans, Margaret Young, Executive Chairman of Cattles, said:

 

"These proposals to further streamline the Welcome organisational structure have been put forward after an extensive review and careful consideration. We believe they are essential to Cattles achieving a more cost efficient business model which mirrors the reducing size of the Group's loan book."

Only direct action by the masses will work....

 

Look at all successes they have never come from negotiation!!!

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someone asked what welscum intend to do about mif, acceptance fees etc. take a look on my thread to a reply to a letter that poste did for me (and try not to laugh). also when asked if i could have a copy of my mif policy from underwriter, they told me they held the fee and refused to give an explanation, convenient or what.

 

 

it was me diva!!

just popping over to have a read!!;)

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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70 local branches.

Please, please, please, be my local branch!

 

Sorry welcome staff, you have had this coming a long time.

 

Anyone know how many branches they have in total?

Welcome Finance PPI ***WON***£650

 

Black Horse PPI ***WON*** £1200

 

CL Finance-County Court Claim-***WON***(well sort of-stopped them continuing with the claims)

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